“Whether you get the policy for yourself or for aging parents, it’s really a gift for everyone,” Webber asserts.

“Different family members benefit in different ways at different times,” Webber says, “but everyone stands to benefit overall.” For example:

* If you get a policy for yourself or spouse, you protect your assets and the future of your entire extended family. “With money available to pay for care,” says Webber, “your savings and property won’t be as vulnerable to unexpected care costs. And you may avoid relying on your children or other relatives to pay for your care.” This knowledge alone can ease tensions and make the holiday season more pleasant, Webber points out.

* If you get a policy for aging parents, everyone benefits, not just them. “Your parents may live the rest of their lives with greater security and less fear,” says Webber, “but you may also benefit. You guard against sudden, large care expenses down the pike, which could be disruptive. And you gain more control over your own future.” For example, Webber explains, there’s less likelihood you or your spouse will have to leave a job to provide care personally.

* Your children stand to benefit, too. With care expenses made more manageable through planning, educational plans can be made with greater certainty. “It’s less likely you’ll ever have to choose between tuition for your kids and care for your parents or spouse,” says Webber.

* Added reward from Uncle Sam. A portion of long-term care premiums may be deducted on federal income tax returns. Tax deductions or credits are also available in many states. “It’s like a gift, a nice incentive, and it keeps recurring,” says Webber. “You can set yourself up for 2016 and every year after.”

“Long-term care insurance is truly a gift that keeps on giving,” says Webber. “You’ll have less to worry about this holiday season, and every holiday season from here on. You can relax and enjoy the festivities and one another.”